April 19, 2025 · 14 mins read
Santhosh Kumar
Myntra is an Indian fashion e-commerce company headquartered in Bengaluru, Karnataka. It was founded in 2007-2008 to sell personalised gift items. In May 2014, Myntra.com was acquired by Flipkart.
In May 2022, Myntra launched an express delivery service on its app to offer a one-of-a-kind experience on its fashion and beauty platform. This service allows shoppers to receive their orders for products marked with the 'M-express tag' on the listing page within 24–48 hours of purchase. Myntra is a one-stop shop for all your fashion and lifestyle needs. As India's largest e-commerce store for fashion and lifestyle products, Myntra aims to provide shoppers with a hassle-free and enjoyable shopping experience nationwide with its portal's broadest range of brands and products. The brand is making a conscious effort to bring the power of fashion to shoppers with an array of the latest and trendiest products available in the country.
Myntra's value proposition gives consumers the power and ease of purchasing fashion and lifestyle products online. Offerings such as the largest in-season product catalogue, 100% authentic products, cash on delivery, and a 30-day return policy make Myntra the preferred shopping destination in the country. To make online shopping easier, a dedicated customer connect team is on standby to answer your queries 24x7.
Most of us use credit cards to maintain our cash flow and meet emergency financial needs. Credit cards are essential when it comes to shopping. Gone are the days when only online shopping could be done via a credit card. At present, many merchants have started accepting credit cards at physical stores. The best credit card in the market will offer several benefits to regular shoppers. It is easy to find online payments with a credit card on digital marketplaces. After selecting the product, enter the credit card details on the payment gateway. The user will receive an OTP on the registered mobile number to complete payment via the credit card. Once the OTP is entered, the online payment is processed from the credit card.
The amount for any product is deducted from the available credit limit. Online payment will be declined if a user does not have a sufficient credit limit. The amount deducted from the credit card will be delivered to the merchant. The online order will be confirmed after the credit card payment is processed. The user will also receive a message on the registered mobile number regarding the order confirmation and online payment. Users can complete online shopping via their credit card by following the simple process.
Here's how you can add a credit card to your Myntra account:
1. Go to "My Account" and select "Payment Methods" in your Myntra account.
2. This time, click on “Add New Credit Card”.
3. After that, you’d need to insert credit card details like number, expiration date and CVV.
4. Giving all the details at once doesn't make sense — some will be shared in the next stage.
1. To observe an even higher level of security, Myntra can ask you to go through an authentication process.
2. This may require using two or three other means of identification, such as fingerprints or a password prompt.
3. After this, your credit card gets successfully registered for Myntra, and your verification is complete.
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Myntra prioritises the security of your financial information. To ensure a safe transaction environment, consider these security measures:
Update Passwords Regularly: Protect your Myntra account password by changing it frequently and not allowing strangers to hack it.
Enable Two-Factor Authentication (2FA): For enhanced security, it is suggested that you enable Two-Factor Authentication, where an additional password is required.
Monitor Account Activity: Always monitor the activities in your Myntra account and contact customer care immediately if the account has been compromised.
Accepted cards: Myntra accepts VISA, MasterCard, Maestro, RuPay, American Express, Diner’s Club and Discover credit/debit cards.
International cards: VISA, MasterCard, Maestro, and American Express cards issued in India and select countries, including the US, UK, Canada, Australia, and several European nations, are accepted (excluding eGV payments/top-ups).
Payment methods: Myntra accepts Internet Banking (44 banks), Cash on Delivery, EMI, E-Gift Vouchers, Wallet, and Paytm Postpaid.
Fraud prevention measures: Transactions are monitored for suspicious activity, and potentially fraudulent ones are flagged for manual verification.
Identity verification: You will have to provide ID proof to confirm the transaction before processing in some rare cases.
There are numerous benefits of shopping via a credit card. For example, almost all online shopping websites allow customers to pay via credit cards. This is because more and more people prefer a credit card for online shopping. Some advantages of using a credit card for shopping are as follows:
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Whenever someone completes an online payment via their credit card, they are most likely to receive a benefit. For example, a credit card may offer more than INR 1,000 cashback for shopping. A cashback is a small amount returned to the user after an online payment. While the cashback amount may not be substantial for a single online payment, it is worth remembering that every penny saved is earned. Additionally, the return may become substantial when the total cashback after multiple payments is significant.
Some credit cards offer loyalty points to users for online shopping. The credit card issuer provides loyalty points to customers making online payments regularly. Consider loyalty points as a bonus for trusting the same credit card issuer or bank. With the help of loyalty points, users get a discount on their next online order. In addition, many credit cards offer users additional benefits for online payments. For example, credit cards offer lounge access, air miles, and other such benefits.
Many users specifically apply for a cashback credit card for online shopping. A cashback credit card will guarantee some cashback for every online payment, as other modes of payment do not get this advantage. Storekeepers will not offer cashback to shoppers for making payments in cash. Debit cards also do not provide many benefits to users for online payments. Some credit cards offer 1x or 2x rewards on online shopping. Credit card payment offers may change from one card to another. Make it a habit - check for the online shopping benefits before applying for a new credit card.
When a user pays for an item using their credit card, the amount gets deducted from the limit. Even if the user has no money, a credit card lets them browse and shop online. Once the payment is made to the one retailer, it is followed by payment to the credit card company as per the deadline. The inability to repay as per the deadline will lead to a penalty, which can increase the financial burden of the user. The credit score improves when someone repays their credit card bill on time. Along with shopping, users will boost their credit score and build a healthy credit history. There is no boost in credit score when shopping at physical stores with cash. When you pay in cash, your credit history is uninterrupted. However, making several purchases in a month with a credit card and paying the outstanding amount on time positively impacts the credit score. Over time, such users can possess a healthy credit score and a larger credit limit. A larger credit limit can be used to meet any urgent financial obligation.
Consider someone who has to buy an expensive item using their credit card. The user can easily purchase a costly item using a credit card and repay the amount through pocket-friendly EMIs. Most merchants offer EMI facilities only for credit cards. In contrast, debit cards cannot provide such advantages to users.
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Credit card users have leverage against fraud or unauthorised usage. Even if the credit card details are stolen, the thief cannot make an online purchase. Most credit card issuers use two-step authentication to prevent unauthorised usage. Also, if a credit card is stolen, other activity on the card can be prevented by informing the credit card issuer. The CVV on the credit card is required for online payment, along with an OTP received on the registered mobile number. All of this will protect against fraudulent transactions on a credit card.
Check out the instant credit card offers on Myntra from different banks when you shop on Myntra. Using your credit card, you can grab cool discounts and make your fashion buys even more budget-friendly. Dive into these deals and start saving today!
The Kotak Mahindra Myntra Credit Card offers great discounts and benefits when you shop on the Myntra app or website. Use this card to enjoy savings and enhance your shopping experience easily.
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1: Go to Myntra app or website.
2: Purchase items and enter credit card details on the payment page
3: Discount will be auto-applied once the card is verified.
The Standard Chartered DigiSmart Card provides exclusive discounts and perks for online shopping on Myntra. Use this card to access special deals and effortlessly save money on purchases.
Bank/Credit Card Name: Standard Chartered DigiSmart Card
Offers: Get a 20% discount on every Myntra purchase (Maximum discount of INR 700)
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1: The offer is available irrespective of the minimum spend.
2: It is valid on 1 transaction per month.
1: Visit the Myntra app or website.
2: Purchase the item of your choice.
3: On the payment page, go to the offers of Standard Chartered.
4: Select and enter your card details to get a 20% discount.
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With the Federal Bank Credit Cards, you can enjoy special discounts and rewards on Myntra. Shop on their app or website and enjoy the perks!
Bank/Credit Card Name: Federal Bank Credit Card
Offers: Get INR 250 off on Myntra
1: This offer is valid only on a minimum transaction value of INR 1,499.
2: The offer does not apply to the cash delivery option.
1: Visit the Myntra app or website and make your purchase.
2: Enter the promotion code MYSIND24 during checkout and pay using your Mastercard.
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With the HDFC Bank Millennia Credit Card, you can get incredible discounts and cashback deals when shopping on Myntra. Just use your card, and watch the savings roll in as you update your wardrobe!
Bank/Credit Card Name: HDFC Bank Millennia Credit Card
Offers: Get 5% cashback on Myntra purchases
This cashback is valid only for non-EMI spends.
1: Visit the Myntra online store.
2: Select your favourite products.
3: While checking out, enter your HDFC credit card details.
4: Once payment is done, you will receive your cashback.
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Myntra credit is a balance or storage credit that may come from various sources such as Myntra gift cards, returns, refunds, or promotional credits. It is like a wallet in which we can add money to purchase products. If we return any product, the funds will be credited to Myntra credit within 1 day, whereas paying through the bank will take 7 days.
1: You may add money to Myntra Credit in the following ways -
2: Refunds to Myntra Credit - You may take refunds of returned items.
3: Add a Myntra Gift Card - Add your Myntra Gift Card to Myntra Credit
4: Top Up - You may top-up Myntra Credit by available online payment methods at the Myntra App or Website.
5: You may keep Myntra Credits up to Rs. 50,000. After that, you may still receive your refunds in Myntra Credit but cannot increase them further.
6: You can use Myntra Credit as a Payment method available at the checkout. However, Gift Cards and Myntra Credit Top-up cannot be paid with Myntra Credit.
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1: Open www.myntra.com and log in to your Myntra account.
2: Take the cursor to the Profile section and choose Myntra Credit from the list.
3: Click on the ADD Gift Card option.
4: Enter the Gift Card Number and Gift Card Pin to add the amount to your account.
5: You can now use the voucher amount to buy the products from Myntra.
6: Follow these steps if you're using the Myntra app:
7: Open Myntra's smartphone app and click on the Profile option at the bottom right of the screen.
8: Choose the Myntra Credit option and then choose the ADD GIFT CARD option.
9: Enter the gift card details (card number and pin).
10: Your Myntra gift card will be redeemed instantly.
1: You may use Net Banking, Credit/Debit Cards, or PhonePe wallet.
2: However, cash on delivery, International Cards, and Gift Cards are not acceptable modes of payment for topping up Myntra Credit. The acceptable payment methods will be visible to you at the checkout.
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Adding cards to the Myntra account is very easy and improves your shopping. Credit cards in Myntra offer a good interface to manage payment methods. It's essential to adhere to the security protocols while shopping online and solve any arising problems without fail. You must avoid using your card unnecessarily, as credit cards can make you form a habit of overspending, increasing your financial burden. You must use your credit card only when necessary to avoid a hefty bill you may not be able to repay. Even a single missed payment can damage your credit score, hence, make sure that you always stay ahead of your due dates to maintain a healthy credit profile.
Yes, at Myntra, you can include numerous cards to select what you like to use to make payments.
Myntra has stringent security measures regarding a customer's card details. However, one must adhere to general online security measures, including using strong passwords that are not easily guessable. Even then, the computer software has its challenges.
Ensure that the card details are correct and that the card is still in use. If this issue continues, please contact your bank or the Myntra customer care team.
Yes, you can, but that can be done in the payment methods section. You have saved your card, and if you don’t want any card again, you can delete it.
Always change the card information you entered here whenever you get a new card or if the information you have changed.
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